Student Health Insurance

Posted by Andrew Friesner

February 9, 2008

If you don’t have a health plan, often there is a health plan available at the college your child is attending. Sometimes colleges require health care coverage as part of enrollment. There is usually an additional cost to subscribe to this plan, and considering how expensive tuition is these days, many do not consider paying for this additional cost. However, it may be worth it, you can’t always predict an injury or illness. The costs and benefits vary widely among colleges.

Whether you have a health plan now or are looking into obtaining an individual health plan for your child, you should do your research and compare costs and available benefits. Things you should consider: what is the typical copay/deductible, what medical treatment is covered (labs, xray, visits, surgery, dental), is there a pre-existing limitation, is your child covered when they go home (in state of out of state), do they have access to a specialist, is the plan a PPO or HMO, are there limitations on what medical providers they can see, is emergency treatment covered, are they covered during summer break, etc.

If you would like to search for a health plan for your College bound son or daughter, please click here for a free quote.

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